Quote Originally Posted by zaza View Post
Let's assume that our insured's name is visualAd. There's pretty much no chronic condition that he hasn't developed, and that includes chronic halitosis. When he is diagnosed with ulcerative colitis and the prospect of three or four sessions of major surgery and all that goes along with it, as well as the prospect that he may develop complications later in life, the insurance company has to re-assess their model.

Result: his premiums rocket.
Solution: he has to either pay through the nose, or (presumably) exempt himself from insurance on related illness. Or have no medical insurance at all.

visualAd is but a young'un, starting out in his career, and already he's facing the prospect that his insurance premiums are larger than his mortgage payments. With the right treatment, he will likely contribute 40+ years of useful work to society, during which time he may become filthy rich and easily able to afford his payments. (OK, so the "useful work" line is debatable). But right now, what are his options?

As I don't live in the US under a medical insurance system, I'd actually like to know the answer.
Your apparent concern surprises me; are you hoping to benefit in some way from my future wealth?